Shouldn't the fund allocation be too scattered? Today, Bian Xiao will show you.

Family annual income of 400,000, two houses. The subscription funds are as follows: Huaxia Market 50,000, Huaxia Dividend 20,000, Guo Futian 160,000, Guangfa Small-Cap 20,000, Jing Shun Domestic Demand 60,000, Investment Advantage 60,000, Harvest Strategy 20,000, Industrial Trend 80,000, Huitianfu Balance 50,000, Guangfa Jufeng 1 10,000, Southern Product Configuration 1 In addition, Huaan A shares will be fixed at 2,500 yuan per month Is the expert too scattered? How to better configure? Can you add a few more places?

Expert: You have a certain risk tolerance, but your investment is too scattered, so you can concentrate your funds appropriately. Judging from your investment quota, it is best not to exceed 4 fund products. At this stage of market fluctuation adjustment, on the premise of selecting fund companies with strong research and management capabilities and referring to the historical performance of specific fund products, we can consider allocating two stock funds with high risk-return level and two hybrid funds with medium risk-return level, or appropriately allocating a principal guaranteed fund to balance market risks. Regarding fixed investment, I suggest you consider a stock fund with outstanding historical performance and high risk-return level. I suggest you stick to the concept of long-term investment, and the advantages of expert financial management of the fund will be fully demonstrated.

Yang Feng: I invested more than 200,000 yuan in an open-end fund around June 25th, 65438, and later the book fund lost more than 20,000 yuan. My fund portfolio is as follows: Shangtou grew by 60,000+Huaan Manulife by 65,000 +ABN Amro optimized by 5 1 10,000+Yin Hua Fuyu by 25,000+Bank of Communications selected by 20,000+Guangfa Steady 1 10,000+Guangfa Jufu110,000. Ask experts to give me some advice, so that I can have a general direction of investment in the future.

Expert: Your investment is too diversified. Judging from your investment quota, you can properly concentrate your funds to avoid repeated investment. Among the fund products you invest in, except for Guangfa Steady, Guangfa Jufu and Rongtong 100, the others are all varieties with higher risks and higher returns. The recent market volatility adjustment will inevitably cause the fund's net value to shrink in the short term. You can insist on long-term investment, or you can properly allocate a principal guaranteed fund to balance risks and obtain stable income.

Zhijun: My husband and wife both have stable jobs. At present, there are two houses and one car in Beijing, and the annual family income is about 200,000. /kloc-in the middle of October, I listened to other people's suggestions and bought some funds, including Harvest 30,000, E Fund Strategic Growth No.2 30,000 and Bank of Communications Schroeder 20,000. However, after buying it for a few days, it began to decline. What about these fund portfolios we bought? Are they worth holding for a long time?

A: Harvest theme and Bank of Communications featured a high level of risk and return, while Fangda Strategy No.2 has a medium level of risk and return, and your portfolio is more radical. If you don't need funds in the near future, you can consider holding them for a long time. If you want to balance risks, you can adjust your portfolio to stock funds and principal guaranteed fund with higher risk-return level. Or allocate two medium-risk hybrid funds.

I believe that through the above study, you must know something about this knowledge point. I hope you know more about this knowledge, so that you can sum it up like a duck to water in the market.

Statement: Futures information comes from cooperative media and institutions, and is the author's personal opinion, which is for investors' reference only and does not constitute investment advice. Investors operate accordingly at their own risk.